Terms and Conditions of Use

By using this Website, you agree to its Terms and Conditions of Use stated below.

We/Our/Us (“InsureNOW Direct”, “Crump Life Insurance Services”, "Quick Life", "The Life Insurance Center" and/or the Co-branded Insurance Producer/Agency) are committed to the Terms and Conditions of Use of those who visit this Website. The term Website includes InsureNOWDirect.com and any co-branded site utilized for insurance quoting purposes powered by InsureNOW Direct. The following terms and conditions govern your access to and use of the Website, including any content, functionality and services offered on or through the Website.

Prohibited Uses

You may use the Website only for lawful purposes and in accordance with these Terms and Conditions of Use. You agree not to use the Website:

In any way that violates any applicable federal, state, local or international law or regulation (including, without limitation, any laws regarding the export of data or software to and from the United States or other countries);

For the purpose of exploiting, harming or attempting to exploit or harm minors in any way by exposing them to inappropriate content, asking for personally identifiable information or otherwise;

To transmit or send any advertising or promotional material, including any "junk mail," "chain letter" or "spam" or any other similar solicitation;

To impersonate or attempt to impersonate Us, one of Our employees, another user or any other person or entity; or

To engage in any other conduct that restricts or inhibits anyone's use or enjoyment of the Website, or which, as determined by Us, may harm Us or users of the Website or expose them to liability.

Advertising Disclaimer

+The photographs shown are stock images that do not depict actual clients. They are a generic visual representation of sample age and face amounts. Results may vary, and this example does not guarantee a similar result.

Fraud and Abuse

You agree that you will not use the Website and its content to break any laws. This includes fraud and abuse laws.

Trademarks and Copyrights

The materials on this Website are copyrighted and protected by worldwide copyright laws and treaty provisions. Any unauthorized use of these materials may violate copyright, trademark and other laws. Unless otherwise permitted, materials on this Website may not be redistributed, printed, copied, reproduced, modified, publicly displayed, republished, downloaded, stored, transmitted or otherwise used, in whole or in part. Insurance company and/or insurance agency logos are the exclusive property of the respective insurance companies, and are used with permission. Except as expressly provided, We do not grant any express or implied right to you under any patents, copyrights, trademarks, or trade secrets.

Encryption

One of the main factors in determining Our standard is the ability of the browser to maintain a high level of security. This is primarily reflected in its encryption code. To ensure the security of valuable and personal information, users may only access the Website using a browser equipped with 128-bit encryption or higher.

The Digital Millennium Copyright Act

We reserve the right, but not the obligation, to terminate your access to the Website if determined in its sole and absolute discretion that you are involved in infringement activity, including alleged acts of first-time or repeat infringement, regardless of whether the material or activity is ultimately determined to be infringement.

We and Our service providers accommodate and do not interfere with standard technical measures used by copyright owners to protect materials. We have implemented procedures for receiving written notification of claimed infringements and for processing such claims in accordance with the Act. Our designated agent to receive notification of claimed infringement is:

Any notice regarding any infringement of copyright or of other proprietary rights must include the following information:

A signature of a person authorized to act on behalf of (i) the owner of an exclusive right that is allegedly infringed or (ii) the person defamed.

Identification of the copyrighted work claimed to have been infringed, or, if multiple copyrighted works at a single online site are covered by a single notification, a representative list of such works at that site.

Identification of the material that is claimed to be infringement, or to be the subject of infringement activity, including information reasonably sufficient to permit Us to locate the material.

A statement you have a good faith belief that use of the material in the manner complained of is not authorized by the copyright of other proprietary right owner, its agent, or the law.

If you choose to access the Website outside the United States you do so upon your own initiative and are responsible for compliance with U.S. and local laws, if and to the extent that local laws are applicable. Software is subject to United States export controls. No software may be downloaded or otherwise exported or re-exported (i) into (or to a national resident of) Cuba, Iraq, Libya, North Korea, Iran, Syria, or any other country to which the U.S. has embargoed goods, or (ii) to anyone on the U.S. Treasury Department list of Specially Designated Nationals or the U.S. Commerce Department's Table of Deny Orders. You represent and warrant that you are not located in, under the control of, or a national resident of any such country or on any such list. You agree to comply with U.S. export control laws and that you will not transfer any software or other content from Our site(s) to a foreign national or foreign country in violation of those laws.

No Warranties

Although We have attempted to provide accurate information on this Website, We assume no responsibility for the accuracy of the information. We make no representations or warranties on this Website with respect to the product or service offerings. Information regarding products or service offerings contained on this Website, including but not limited to information regarding features and benefits, technical information or other similar information contained in documentation available on or from this Website, shall not be incorporated or integrated into Our warranty or other contractual right, privilege or obligations otherwise provided under the terms of any agreement with Us. We may make changes to the materials or products described in this Website at any time, without notice. We make no commitment to update these materials.

ALL INFORMATION PROVIDED ON THIS WEBSITE IS PROVIDED TO YOU ON AN "AS IS" BASIS, WITHOUT WARRANTY OF ANY KIND EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE MAKE NO WARRANTY AS TO THE ACCURACY, COMPLETENESS, CURRENCY, OR RELIABILITY OF ANY CONTENT AVAILABLE THROUGH THIS WEBSITE. YOU ARE RESPONSIBLE FOR VERIFYING ANY INFORMATION BEFORE RELYING ON IT. USE OF THE WEBSITE AND THE CONTENT AVAILABLE ON THE WEBSITE IS AT YOUR SOLE RISK. WE MAKE NO REPRESENTATIONS OR WARRANTIES THAT USE OF THE WEBSITE WILL BE SECURE, UNINTERRUPTED OR ERROR-FREE. YOU ARE RESPONSIBLE FOR TAKING ALL NECESSARY PRECAUTIONS TO ENSURE THAT ANY CONTENT YOU MAY OBTAIN FROM THE WEBSITE IS FREE OF VIRUSES.

Solicitation of Insurance and Services

By accessing and using this Website, you are acknowledging that these actions constitute a solicitation to purchase insurance and authorize to be contacted by Us about insurance products and services. Quote information and premium comparisons are for reference only and are intended to supplement the standard illustration provided by each insurance company, if applicable. Premium includes policy fee. All premium guarantees are subject to the terms and conditions of the insurance contract at the time of purchase. All values and information are believed to be accurate; however, accuracy cannot be assured. Refer to each carrier’s complete illustration for exact quotations. The quote does not constitute an application for insurance, nor does it constitute an offer of insurance.

Products and programs offered through this Website are issued by various insurance companies and may not be available in all states. Policy terms, conditions and limitations will apply. Not all applicants will qualify for coverage. You can obtain more information about insurance products by contacting a licensed insurance professional. Availability of premium rates and policy forms may be changed by each insurer without prior notice. Neither this Website nor the insurance carriers provide tax or legal advice regarding the products or programs presented. You should consult your own tax, legal and other advisors before purchasing an insurance product. For use with non-registered products only.

Limitation of Liability

WE SPECIFICALLY DISCLAIM ANY LIABILITY, WHETHER BASED IN CONTRACT, TORT, STRICT LIABILITY OR OTHERWISE, FOR ANY DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL, OR SPECIAL DAMAGES ARISING OUT OF OR IN ANY WAY CONNECTED WITH ACCESS TO OR USE OF THE WEBSITE, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, INCLUDING BUT NOT LIMITED TO RELIANCE BY ANY PARTY ON ANY CONTENT OBTAINED THROUGH THE USE OF THIS WEBSITE, WHETHER CAUSED IN WHOLE OR IN PART BY NEGLIGENCE, ACTS OF GOD, TELECOMMUNICATIONS FAILURE, THEFT OR DESTRUCTION OF OR UNAUTHORIZED ACCESS TO THE WEBSITE, OR RELATED INFORMATION OR PROGRAMS.

Licensing

The Insurance Producer/Agency working with you is required to be licensed in order to sell, solicit or negotiate insurance. Please visit www.insurenowdirect.com to review any Agency licenses and/or contact the Insurance Producer directly.

When services are delegated to InsureNOW Direct, these services will be provided in all states by Crump Life Insurance Services, Inc. DBA InsureNOW Direct unless otherwise indicated below:

In New York, DBA InsureNOW Direct Services. In California, Massachusetts, Nebraska, and New Hampshire, operating under Crump Life Insurance Services, Inc. In Rhode Island and Vermont operating under the individual agent license of Alan H. Herman.

Website Privacy and Security Statement

We are committed to protecting the privacy of those who visit this Website. This Privacy and Security Statement (Statement) outlines how We collect and use information. This Statement applies to information We collect on the Website or in any email, or other electronic messages related to the use of this Website.

Personal Information and Privacy

For each visitor to the Website, Our web server automatically recognizes only the customer's domain name, but not the email address (where possible).

We collect the email addresses of those who communicate with Us via email; aggregate information on what pages customers access or visit; user-specific information on what pages customers access or visit; information volunteered by the customer such as survey information and/or site registrations, name and address, telephone number; customer-specific identifiers such as ID, TIN, etc. We also collect information about you through the Website when you provide public or non-public personal information to use the features of the Website in order to obtain a quote or apply for insurance coverage, discuss insurance coverage options.

The information We collect is used to customize the content and/or layout of Our page for each individual visitor. It is also used to notify customers about updates to Our Website, and is shared only with agents or contractors to assist in providing support for Our internal operations. The information is disclosed when We are legally required to do so at the request of governmental authorities conducting an investigation to verify or enforce compliance with the policies governing Our Website and applicable laws, or to protect against misuse or unauthorized use of Our Website. The information also may be provided to a successor entity in connection with a corporate merger, consolidation, sale of assets, or other corporate change respecting the Website.

Consent

By using this Website, you consent to the collection, use, and storage of your public or non-public personal information as described in this Statement. If you do not agree to the collection, use, and storage of your personal and non-personal information as described in this Statement, you must not access or use this Website. We may amend this Statement from time to time; if We do, We will post those changes on this webpage so that you are always aware of what information We collect and how We intend to use it.

Cookies

Cookies are fragments of text sent by a server to a web browser and then returned unchanged by the browser each time it accesses that server. Cookies are used for authenticating, tracking, and maintaining specific information about users, such as site preferences. Currently, We do not use cookies on Our site(s).

Ad Server Companies

We do not partner with or have special relationships with any ad server companies.

Third Party Links

This Website contains links to other sites that may be helpful to Our members. We provide these links for your convenience and are not responsible for the accuracy or completeness of these external sites. We are not responsible for the content or privacy practices of external sites and encourages you to review the privacy policies of those sites before you use them.

Email

Email submissions over the Internet may not be secure. Please consider this fact before emailing any personal or confidential information.

Minors and the Children's Online Privacy Protection Act

Except as expressly stated, upon initial access to the Website or section of such Website, Our Website does not direct content to Minors and does not intend to collect personal information from Minors and therefore is not subject to the Children’s Online Privacy Protection Act.

If you allow your minor child or a child for whom you are legal guardian (a "Minor"), to access and use Our Website, you agree that you will be solely responsible for: (i) the online conduct of such Minor; (ii) monitoring such Minor's access to and use of Our site(s) and (iii) the consequences of any use.

Changes and Applicable Law

We reserve the right to make changes to Our site(s) and this Privacy and Security Statement at any time, for any reason or for no reason, and with or without notice. We encourage you to review the Website and these terms periodically for any updates or changes. Your continued access or use of Our site(s) shall be deemed your acceptance of this Privacy and Security Statement and any changes and the reasonableness of these standards for notice of changes.

One Moment Please...

Life insurance policies described, quoted, shown and illustrated throughout this website are not available in all states and may include those issued by: Allianz Life Insurance Company of North America, Minneapolis, MN and Allianz Life Insurance Company of NY, New York, NY are both members of Allianz Insurance Group, Minneapolis, MN; American General Life Insurance Company, Houston, TX; The United States Life Insurance Company in the City of New York, New York, NY, member companies of American General Life Companies; Assurity Life Insurance Company, Lincoln, NE; Aviva Accordia Life is a subsidiary of Global Atlantic Financial Group, West Des Moines, IA; Aviva Life and Annuity Company of New York, Melville, NY; American National Insurance Company, Galveston, TX; AXA Equitable Life Insurance Company (New York,NY); Banner Life Insurance Company is a subsidiary of Legal & General Group, Plc, London, UK; Legal & General America, Frederick, MD; Banner Life Insurance Company, Urbana, MD; William Penn Life Insurance Company of New York, Garden City, NY; Equitable Life and Casualty Insurance Company, Salt Lake City, UT; Fidelity Life Association, A Legal Reserve Life Insurance Company, Oak Brook, IL; First Central National Life Insurance Company, New York, NY and Household Life Insurance Company, Detroit, MI, member companies of HSBC Insurance; Genworth Life and Annuity Insurance Company, Richmond, VA and Genworth Life Insurance Company of New York, New York, NY, only Genworth Life Insurance Company of New York is admitted in and conducts business in New York, member companies of Genworth Financial, Inc.; Gerber Life Insurance Company, White Plains, NY; Great West Life and Annuity Insurance Company, White Plains, NY; Integrity Life Insurance Company, Cincinnati, OH and National Integrity Life Insurance Company, Goshen, NY are both members of Western & Southern Financial Group, Cincinnati, OH; John Hancock, Boston, MA; Liberty Mutual Insurance, Boston, MA; Lincoln Life & Annuity Insurance Company of New York, Syracuse, NY and The Lincoln National Life Insurance Company, Fort Wayne, IN, both insurance company affiliates of Lincoln National Corporation, whose marketing name is Lincoln Financial Group; MassMutual Life Insurance Company, Springfield, MA; First MetLife Investors Insurance Company, New York, NY, MetLife Investors USA Insurance Company, Irvine, CA and Metropolitan Life Insurance Company, New York, NY, all three members of the MetLife family; North American Company Life & Health, Chicago, IL and North American Company Life & Health of NY, Garden City, NY are both members of Sammons Financial Group, Chicago, IL; Principal Life Insurance Company, Des Moines, IA; Protective Life and Annuity, Birmingham, AL; Minnesota Life, St. Paul, MN; Pruco Life Insurance Company, Newark, NJ and Pruco Life Insurance Company of New Jersey, Newark, NJ, member companies of Prudential Financial, Inc., Newark, NJ; Prudential Financial, Newark, NJ; ReliaStar Life Insurance Company, Minneapolis, MN, ReliaStar Life Insurance Company of New York, Woodbury, NY and Security Life of Denver Insurance Company, Denver, CO, member of the ING VOYA family of companies; Securian Life Insurance Company, St. Paul MN; Symetra Life Insurance Company, Belluvue, WA; Transamerica Life Insurance Company, Cedar Rapids, IA; First Symetra National Life Insurance Company of New York, New York, NY; Vantis Life Insurance Company, Windsor, CT.